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Comment by nkjoep | Hacker News Reader

In fact, it's not even a bank.

A bit off topic, but how do you guys use banks to buy expensive things? I always run into issues, like I couldn't pay for my dentist because my card had a 300$ tap limit (I had to come back the next day and pay the rest lol), and there's all sort of limits, like I don't think I can spent more than a couple thousand dollars a day even if I physically bring my card and insert it or whatever.

All the banks I know have some limit over a sliding 30 day window. Some allow for this limit to be adjusted. But the minimum amount I've had was 1000 €.

Contactless is limited to 50 € per transaction. Going above requires inserting the card and entering the pin.

Currently, payments from your account to another account (you need the other party's IBAN) cost about 1.50€, probably less if you find a less greedy bank, and are executed immediately.

Retro options include cheques or (better) cashier's cheques.

Add your card to your Google Wallet, and then use NFC from your phone for contactless payment. In Ireland the tap limit on a card is €50, but uncapped AFAIK using the same card via your Google Wallet.

Fintech banking like Revolut that comes with a separate IBAN and physical/virtual cards are helpful in such scenarios as well.

>I always run into issues, like I couldn't pay for my dentist because my card had a 300$ tap limit

Insert it and enter your PIN.

I don't remember my PIN

You’re free to add a contact to your phone contacts for Aunt Helga with a local area code and your PIN repeated twice.

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